1387 Flatwood St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1387 Flatwood St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,877 sqft · built 2022
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$449,400 (Jan 2023)
Tax Bill	$4,821 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jul 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`162531552500012140`

Property Details

APN / Parcel Number

Primary APN	`162531552500012140`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,877 sqft Heated Area
Gross Area	2,376 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1387 FLATWOOD ST
City	SAINT CLOUD
State	FL
Zip	34771-7647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WIREGRASS PH 2 PB 30 PGS 170-173 LOT 214
Legal Subdivision	WIREGRASS PHS 2
Legal Phase	2
Legal Lot Number	214
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1038
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	1387 FLATWOOD ST, SAINT CLOUD, FL 34771-7647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Jul 25, 2023	Correction Deed ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 3, 2023 · Amount on Record
Deed Sale	Jan 3, 2023 · Amount on Record
Deed Document Number	2023000383
Deed Book / Page	6339 / 281
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 3, 2023
Property Address	1387 FLATWOOD ST, SAINT CLOUD, FL 34771-7647
Document Number	0063390281
Book / Page	6339 / 281
Map Reference	MB 30 PG 170-173
Instrument Date	Dec 29, 2022
Instrument	2023000383
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, APOLLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,145.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4700 MILLENIA BLVD STE 290, 290, ORLANDO, FL 32839-6022

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1387 FLATWOOD ST, SAINT CLOUD, FL 34771-7647

Mortgage

Document Number	0006339286
Date	Jan 3, 2023
Instrument	6339/286

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

July 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 25, 2023
Property Address	1387 FLATWOOD ST, SAINT CLOUD, FL 34771-7647
Document Number	0064451005
Book / Page	6445 / 1005
Map Reference	MB 29 PG 73-78
Instrument Date	Sep 25, 2021
Instrument	2023095490
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3801 AVALON PARK EAST BOULEVARD STE 400, 400, ORLANDO, FL 32828-4902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11710 PLAZA AMERICA DR STE 1100, 1100, RESTON, VA 20190-4771
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,821.00 (-8.33%) Homeowner's exemption	$337,400 (+1.6%) Land $75,000 Building $262,400	$337,400 (+1.6%) Land $75,000 Building $262,400
2023	$5,259.00 (+584.77%)	$332,100 (+503.82%) Land $75,000 Building $257,100	$332,100 (+503.82%) Land $75,000 Building $257,100
2022	$768.00	$55,000 Land $55,000	$55,000 Land $55,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 82% of the US · above 73% of Florida
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Hotwire Communications, Utah Broadband, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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